The First National Bank at St. James

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.30%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.39%

Our Rating

3.1 / 5

Valley National Bank

High-Yield Savings Account Via Raisin

See Offer

Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

4.25%

Our Rating

3.7 / 5

Sallie Mae Bank

14 Month High-Yield CD Via Raisin

See Offer

Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnbstjames.com

507-375-3376

202 1st Ave S
Saint James, MN 56081

The First National Bank at St. James is headquartered in SAINT JAMES and is the 230^th largest bank in the state of Minnesota. It is also the 4,360^th largest bank in the nation. It was established in 1934 and as of December of 2024, it had grown to 11 employees at 1 location. The First National Bank at St. James' CD rates are 3X the national average, and it has a B health rating.

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

Data as of Q4 2024

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank at St. James has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	14853
Year Established	1934
Employees	11
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	6.25%
Annual Interest Income	$2MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$37.3MM$36.7MM
Loans	Q4 2024vs Q4 2023	$24.5MM$23.9MM
Deposits	Q4 2024vs Q4 2023	$34.3MM$32.9MM
Equity Capital	Q4 2024vs Q4 2023	$2.9MM$2.7MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$341K$367K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$109K$16K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.30%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.39%

Our Rating

3.1 / 5

Valley National Bank

High-Yield Savings Account Via Raisin

See Offer

Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

4.25%

Our Rating

3.7 / 5

Sallie Mae Bank

14 Month High-Yield CD Via Raisin

See Offer

Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not The First National Bank at St. James; we are a rate comparison website and cannot provide official rates or promotions.

The First National Bank at St. James CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%	$500	-	182 Day CD
3.03%	$500	-	12 Month CD
2.52%	$500	-	36 Month CD
2.52%	$5k	-	36 Month Variable CD
2.02%	$500	-	18 Month CD
1.51%	$500	-	30 Month CD
1.26%	$500	-	24 Month CD
0.10%	$500	-	91 Day CD

The First National Bank at St. James IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$500	-	12 Month IRA
2.52%	$500	-	36 Month IRA
1.26%	$500	-	24 Month IRA

Locations

The First National Bank at St. James Locations
The First National Bank At St. James	202 1st Ave S	Saint James, MN 56081

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.